Cash flow statement
| GROUP | |||
|---|---|---|---|
| Q3 26 | Q3 25 | 2025 | |
| Cash flows from operations | |||
| Interest, commission and customer fees received | 23,165 | 18,443 | 26,076 |
| Interest, commission and customer fees paid | -2,207 | -1,365 | -6,643 |
| Interest received on other investments | 2,359 | 2,189 | 3,129 |
| Interest paid on other borrowings | -10,547 | -8,558 | -12,021 |
| Payments to other suppliers for goods and services | -1,163 | -781 | -1,217 |
| Payment to employees, pension schemes, National Insurance contributions, tax withholdings etc. | -1,931 | -1,270 | -1,475 |
| Payment of taxes | -995 | -902 | -900 |
| Net cash flow from operations | 8,681 | 7,755 | 6,948 |
| Cash flows from investment activities | |||
| Payments made/received on loans to customers | -26,154 | -26,536 | -34,956 |
| Payments made/received on receivables and tied-up loans to financial institutions | -11,462 | -1,154 | -1,931 |
| Dividends received for securities | 24 | 18 | 42 |
| Payments made/received on purch./sales of shares | 47 | 128 | 276 |
| Payments made/received on purch./sales of other securities | 7,603 | 1,369 | 2,837 |
| Payments received from investments in associated companies | 72 | 118 | 149 |
| Payments made to investments in associated companies | 0 | 0 | 0 |
| Payments received from sale of fixed assets | 47 | 16 | 22 |
| Payments made on purchases of operating assets etc. | -111 | -54 | -88 |
| Addition through merger | 0 | 511 | 1,400 |
| Net cash flows from investment activities | -29,934 | -25,585 | -32,250 |
| Cash flows from financing activities | |||
| Payments made/received on customer deposits | 4,342 | 10,201 | 7,929 |
| Payments made/received on deposits from Norges Bank and other financial institutions | -7,011 | 5,359 | 5,602 |
| Payments received relating to subordinated loan capital | 1,398 | 750 | 1,250 |
| Payments related to redemptions of subordinated loan capital | -1,229 | -595 | -595 |
| Payments received on issuing bond debt | 71,335 | 38,637 | 65,417 |
| Payments made related to redemption of bond debt | -42,380 | -34,060 | -52,377 |
| Dividends paid / Donations for the public benefit | -4,780 | -2,190 | -2,322 |
| Net cash flow from financing activities | 21,675 | 18,103 | 24,905 |
| Net cash flow for the period | 422 | 273 | -397 |
| Net change in cash and cash equivalents | 422 | 273 | -397 |
| Cash and cash equivalents at beginning of period | 86 | 483 | 483 |
| Cash and cash equivalents at end of period | 508 | 756 | 86 |